Instant PaymentsIn real time with SIA

SIA is European leader in the design, creation and management of technology infrastructures and services for Financial Institutions, Central Banks, Corporates and Public Administration bodies, in the areas of payments, e-money, network services and capital markets.

SIA Group provides its services in over 40 countries, and also operates through its subsidiaries in Hungary and South Africa. The company has of�ces in Milan, Brussels and Utrecht.

About SIA

SIA S.p.A.Via Francesco Gonin, 36 - 20147 Milan Tel. +39.02.6084.1 europe@sia.eu www.sia.eu | jiffy.sia.eu

€449.4 millionrevenues

1,600+employees

41.7 billion�nancial

transactions

358.2 terabytesdata carried

on the network

3.3 billioncard transactions

SIA Group key factsin 2015

9.9 billionclearing

transactions

EmmecomInnovative networkapplications for banksand businesses

SIAThe parent

LM-eConsulting

TSPFront-end servicesfor companies and PA

Pi4payAdvanced collectionand payment services

UbiqInnovative technologysolutions for marketing

SIA Central EuropeATM/POS terminal management

PeragoRTGS

SIA Group

Pretoria

Utrecht

Macerata

BrusselsLondon

BudapestParma

Warsaw

Rome

Frankfurt

Milan

Main of�ces Sales of�ces

Turin

SIA offers industry-leading expertise to provide a secure and high performing IP solution without the need to implement one in-house. SIA’s current solution as a service will shorten

IP project setup time and delivery, for a rapid go to market and lower risks and investments by deploying a “ready” solution. Discover the SIA one-stop-shop IP solution:

Why SIA? Simplicity itself, a one-stop-shop IP solution

Opening a regulated market to new players will produce a proliferation of strategies/offerings to consumers. You can ‘wait and see’ or ‘ride the wave’…with SIA. Why? Because we have the knowledge and the industry-leading expertise to support our customers throughout their journey. SIA has always been behind the European

Financial Institutions and constantly been committed to delivering secure, reliable payment services based on its technology infrastructures (EBA STEP2 platform, TARGET2-Securities, 4-CentralBank-Network).

Last but not least the EBA Pan-European IP Infrastructure.

Why SIA? Proven mission-critical expertise

What does this mean? It’s time to react. Get on board in real time with SIA!

Instant Payments: in real time with SIA The world has changed beyond belief. Technology has made communications between people simple and immediate. PSD2, block-chain technology, big data and instant payments set trends of extraordinary power, creating an ‘open-banking’ scenario with increasing demand for real-time, secure and efficient services. Instant Payments (IP) represent for all a significant change of pace: not only do

they mean a new payment method, but also a new way of managing business relationships among people, companies and the public sector. Speed of execution has become massively important to engage customers more and more. Yet in this ultra-fast world, to get a traditional bank transfer we have to wait at least 24 hours! Today this is an old-fashioned paradox, thanks to Instant Payments.

CHANNELSPROCESSINGCSMCHANNELS PROCESSING

SIAnet SIAnetPAYER PAYEE

SIAnet

IP CONNECTIVITYSIAnet

CSM PROXIMITYEBA Clearing

PROCESSINGInstant Payment Hub

FRONT-ENDMobile

FINANCIALINSTITUTION

MERCHANT

TPP CORPORATE

PUBLICINSTITUTION

CONSUMER

SIA IP Hub is the answer for the PSPs to facilitate the onboarding of customers, with a full value-chain coverage proposition: front-end, IP processing and CSM proximity. SIA IP Hub has a component of ‘core’ functionalities and a series of optional add-on services (e.g. mirror account, fraud prevention & detection) supporting both operational and business aspects.

• Scalable: modular solution

• Plug and Play: cloud based with minimal impacts on bank IT systems

• Active Active: 24/7/365 availability

• PSD2 and EPC SCT Inst scheme rulebook compliant.

SIA’s mobile IP service, Jiffy, is already a reality on P2P and P2B. It has over 400,000 customers in Italy, is leader in Europe with the largest number of participating banks and is open to all credit institutions operating in SEPA. Furthermore, it is natively integrated with SIA Instant Payment Hub.Through Jiffy you can quickly and easily take your customers on the Instant Payments journey.

Simple: “One touch to pay” to both registered and non-registered users

Secure: bank’s secure access and pre-set spending limit

Immediate: fast customer activation and real-time money transfer

Instant Payments Hub

Mobile IP service

SIAnet provides access to EBA’s IP platform through a new low-latency messaging technology, enabling messages to reach the counterpart in the order of milliseconds without compromising security.

This IP service, integrated with the SIAnet infrastructure, is specially designed to meet the specific requirements of both Instant Payment and Instant Clearing.

• Speed and Security: fast transport without compromising security

• Delivery: operates 24/7/365 even for maintenance

• Integration: small footprint and easy integration with minimum impact

• Scalability: horizontal scalability on demand to support increasing traffic loads.

SIAnet for Instant Payments Connectivity

Let SIA ease the burden by providing all you need with SIA’s one-stop-shop solution. Now you can minimize cost, complexity and risk, and reap the rewards of the IP era!

SIA is European leader in the design, creation and management of technology infrastructures and services for Financial Institutions, Central Banks, Corporates and Public Administration bodies, in the areas of payments, e-money, network services and capital markets.

SIA Group provides its services in over 40 countries, and also operates through its subsidiaries in Hungary and South Africa. The company has of�ces in Milan, Brussels and Utrecht.

About SIA

SIA S.p.A.Via Francesco Gonin, 36 - 20147 Milan Tel. +39.02.6084.1 europe@sia.eu www.sia.eu | jiffy.sia.eu

€449.4 millionrevenues

1,600+employees

41.7 billion�nancial

transactions

358.2 terabytesdata carried

on the network

3.3 billioncard transactions

SIA Group key factsin 2015

9.9 billionclearing

transactions

EmmecomInnovative networkapplications for banksand businesses

SIAThe parent

LM-eConsulting

TSPFront-end servicesfor companies and PA

Pi4payAdvanced collectionand payment services

UbiqInnovative technologysolutions for marketing

SIA Central EuropeATM/POS terminal management

PeragoRTGS

SIA Group

Pretoria

Utrecht

Macerata

BrusselsLondon

BudapestParma

Warsaw

Rome

Frankfurt

Milan

Main of�ces Sales of�ces

Turin